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Personal coverage

Flood Insurance

Flood damage is specifically excluded from every standard homeowners and renters policy, so without a separate flood policy you'd pay to rebuild entirely on your own. If your home sits in a FEMA-designated high-risk flood zone, your mortgage lender is legally required to make you carry it — and even in lower-risk areas, just a few inches of water can cause tens of thousands in damage.

Discuss Flood Options Schedule Consultation

Who this coverage is for

This is for anyone whose home could take on water from heavy rain, overflowing rivers, storm surge, or flash flooding, and in California that includes many areas far from the coast. It matters because flood damage is specifically excluded from standard homeowners, condo, and renters policies.

What it can help protect

Flood insurance covers water damage that other policies leave out:

  • The building — structural parts, foundation, and built-in systems damaged by flooding.
  • Electrical and plumbing — key systems and equipment harmed by rising water.
  • Appliances and fixtures — items like water heaters and permanently installed cabinets.
  • Your belongings — furniture and personal items, when contents coverage is included.
Regularly misunderstood coverages
Flood vs. Water Backup

Rising flood water vs. a backed-up drain — which is it?

Key choices and underwriting factors

A licensed review will usually focus on occupancy type and property characteristics, building vs contents needs, and deductible and waiting-period awareness.

Common Questions